Transfer and cash limits
How much cash can I withdraw from the bank?
Enter the cash you plan to take out in one business day. The tool shows whether a report is filed; below it, the daily ATM limits by bank.
Will this cash transaction be reported?
Currency transaction report
Yes, filed by the bank
| Threshold | more than $10,000 a business day, added up |
| ID and record for instruments | No |
Splitting cash to stay under the threshold is itself illegal (31 CFR 1010.314). A report is routine paperwork, not an accusation.
There is no federal limit on how much of your own money you can withdraw in cash. The limits are practical. At an ATM, each bank caps withdrawals per day, from $808 at Regions and $1,000 at Navy Federal to $5,000 in Citi’s top tiers. At the counter, a teller can pay any amount available in your account, but a branch keeps limited cash and may need notice for a large sum. The law adds paperwork, not a ceiling: when cash withdrawals and deposits by or for one person exceed $10,000 in a business day, the bank files a currency transaction report with the Treasury (31 CFR 1010.311), adding together several transactions the same day (§ 1010.313). The report is routine and does not accuse you of anything. What the law forbids is structuring: splitting withdrawals or deposits to keep each under $10,000 in order to avoid the report (§ 1010.314), even with legitimate money. For cash from a check just deposited, the bank may also wait one extra business day beyond the normal availability date.
Fees, limits and rules read by Radif Partners · Editorial policy · Method
Three different limits
| Limit | Who sets it | Typical figure |
|---|---|---|
| ATM daily withdrawal | your bank, per card | $808 to $5,000 where published |
| Teller withdrawal | the cash in your account and in the branch | no fixed amount; call ahead for large sums |
| Cash from a check just deposited | Regulation CC | extra business day, except $550 by 5:00 p.m. |
| Currency transaction report | federal law | more than $10,000 a business day, added up |
The ATM limit is the one that most often surprises people, because it applies even when the account holds much more. The comparator below lists the published daily ATM limits for the amount entered at the top.
Providers publishing a figure, of 17
5
The others show their limit only inside the app or online banking.
| Bank | Limit | $12,000 takes |
|---|---|---|
| Capital One | $2,000 a day | 6 days |
| Citi | $1,500 to $5,000 a day | 8 days |
| Navy Federal Credit Union | $1,000 a day | 12 days |
| Regions | $808 a day | 15 days |
| Truist | $500 to $5,000 a day | 24 days |
| Chase | not published | – |
| Bank of America | varies by location | – |
| Wells Fargo | not published | – |
| U.S. Bank | not published | – |
| PNC | not published | – |
| TD Bank | not published | – |
| M&T Bank | not published | – |
| USAA | not published | – |
| Fifth Third | not published | – |
| Citizens | page not readable | – |
| Huntington | page not readable | – |
| KeyBank | page not readable | – |
More than $10,000 in cash in one business day: the bank files a currency transaction report. A teller can usually pay more than the ATM limit.
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Cash from a check you just deposited
Regulation CC lets a bank take one more business day before you can withdraw in cash the part of an ordinary check deposit due on the second business day, except $550 that must be available in cash by 5:00 p.m. on that day (§ 229.12(d)). The funds are still usable by card or transfer on the normal date. Someone who deposits a $3,000 check on Monday and wants it all in cash may have to wait until Thursday for the last part.
The report, and the offense
A currency transaction report is filed by the bank, not by you, for cash transactions of more than $10,000 in a business day. It records who made the transaction and the amount. Millions are filed every year and they are not accusations. The offense is structuring: arranging withdrawals or deposits so that each stays under the threshold for the purpose of avoiding a report. A pattern of $9,500 withdrawals on consecutive days can be structuring even when the money is clean. If you need $15,000 in cash, withdrawing it at once is the lawful way.
Safety when carrying cash
Large cash withdrawals are a classic target of impostor scams: a caller posing as a grandchild, the police, a government agency or the bank’s fraud department asks you to withdraw cash and hand it to a courier, or to buy gold or gift cards. No agency collects payments that way. A teller who asks questions about a large withdrawal is trying to protect you. For a legitimate large payment, a cashier’s check avoids carrying cash at all.
Planning a large cash withdrawal
Call the branch one or two business days ahead and say how much you need and in which bills. Branches order cash from their own supply and may not hold $20,000 in hundreds on a given morning. Bring a photo ID; the teller will record it if the total is above the reporting threshold. Ask for an envelope and count the money at the counter. If the cash is for a purchase, consider whether the seller would take a cashier’s check instead, which is safer for both of you and leaves a record of the payment. If you change your mind after withdrawing, depositing the cash back the same day is a second cash transaction that counts toward the same business day total.
Withdrawals from a savings account follow the same rules as checking for cash. Some banks still limit the number of savings withdrawals per month in their own terms, even though the federal six-a-month rule was lifted in 2020, so read your account terms before planning several visits.